Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$75,201Cash toward the purchase price.
Closing costs + prepaids$11,726Not just lender fees.
Before credits & paid funds$86,927The complete starting cash picture.
Estimated remaining funds due at closing
$86,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,200.94
Your down payment$75,200.94
Closing costs + prepaids$11,725.70
Total buyer cash needed$86,926.65
Remaining funds due$86,926.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$347.75
Initial HOA (3 months)$180.00
Prepaid interest, first (31 days)$872.95
Fees + prepaids$11,725.70
Your down payment is the seller’s equity. You take over the $334,799 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $86,926.65 is due at closing. Uses and sources reconcile at $421,725.70 each. Not a Closing Disclosure.